RBC Royal Bank of Canada
Online Payment Processing
The Power to Sell Online
What is E-Commerce ?
E-Commerce is a payment gateway which provides the interface
between your web site, the credit card processor and your bank.
When a customer makes a purchase on your web site using their
credit card, the payment gateway (after authorization) settles the
amount directly to your RBC bank account.
Why Consider E-Commerce ?
The Internet allows merchants to offer their products and services
internationally where previous marketing and distribution channels
were cost prohibitive.
Online merchants are available for business 365 days a year, 24
hours a day, but without the associated overhead costs.
Potential reduction in administrative costs associated with brick and
mortar businesses as some in-store traffic is moved to the virtual
Increased convenience for customers who do not have the time or
ability to come into a physical store.
All of the above can positively affect your bottom line.
Requirements for eCommerce
1. Merchant Account RBC
2. Web Site You
3. Payment Gateway Plug ‘n Pay
The most user friendly integration process.
A seamless “plug-in” technology allows for the easiest possible set-up.
There is no software to place on your server.
All payment software resides on Plug ‘n Pay’s transaction-dedicated
payment servers which are engineered for dependability and security.
How Transactions are Processed
The customer goes to your site and selects some product using shopping cart or
The customer proceeds to a secure billing page to pay for their order.
The customer enters their billing &/or shipping information.
The customer verifies and submits their information for authorization.
Several verifications are done on the data to check for missing information, data
validity, fraudulent use of a credit card, etc. Some of these checks may reject the
order prior to being submitted to the merchant processor for verification.
If everything works thus far, the information is securely sent for approval (e.g.
approved, declined, fraud, etc.) A response is sent back to the customer making the
Providing the order passes all verification tests, the transaction is put into the
assemble batch area and waits to be batched.
The customer is generally directed to a response page, e.g. thank you, card was
Both you and the customer are then sent confirmation email messages.
This ends the customer’s part. Please note that the order was authenticated but it is
only on hold for the dollar amount. A batch must be assembled and committed to
actually finalize the order and send the money to your RBC account.
The Basic Package includes:
Recognized Card Acceptance
Easy Cart Shopping Wizard
Real Time Web Based Administration & Reporting
Fraud Protection and much more.
Web Commerce allows merchants to accept on-line payments from
customers using the most popular credit cards.
Easy Cart Shopping Cart
Powerful tool, yet easy to implement.
Handles every phase of online purchasing and is compatible with all
Allows you to have multiple order forms & products, without the need
to host the application on your website.
No scripting ability is required to use this service.
All you host is your website’s order form web pages.
You can extend the usage of the payment gateway with your 3rd-party
or in-house designed store front or shopping cart systems by using
the following API’s:
Cold Fusion CFX DLL
Cold Fusion CF tag
Real Time Web Based Administration & Reporting
24-hour access to all account information.
All reports provide an accurate real-time reflection of account activity.
Can sort and graph data in many ways including date, credit card, order
number, reference number, geographic location, price and customer name.
Security systems are designed and upgraded in concert with Sun
Microsystems and RSA Security and are Eyes Only. There have
been no successful attempts to breach the payment gateway’s
All credit card numbers are encrypted real-time within the
database using RSA Crypto-C technology (multiple firewalls).
128-bit SSL encryption is used to secure data transfers between
the users (consumers & merchants) and the e-commerce
You can also set the levels of access your employees can have,
e.g. allowing some to process sales while only trusted others can
do credits and returns.
Provides the ability to process transactions in over 58 currencies
and settle in US dollars.
Also provides the option of true end multi-currency settlement in
A virtual terminal is supplied with each gateway account and
enables you to securely process credit card payments from any
computer with Internet access without requiring a traditional
terminal or other special equipment.
You can review basic transaction information, process voids &
returns (through automated methods), manually authorize & return
funds to credit cards, assemble & commit batches (settle
transactions) and review batches of settled transaction.
A rules-based system which can be customized to limit the types
of sales that will be accepted.
Allows you to filters out possible problematic or fraudulent
transactions via email domain blocking, bounced email
notification, credit card number frequency check, and many other
transaction filtering options.
Significantly reduces the risk associated with credit card fraud due
to 2 components:
Internet Protocol (IP) Address frequency check
Fraud Protection - Internet Protocol (IP) Address Frequency Check
Prevents any IP address to access a customer’s secure area
more than 6 times in any 30 minute period.
The system routinely collects the IP address of every transaction
made. If certain addresses are causing problems you may block
them from transacting on your site.
Fraud Protection - Fraud Track Database
All card numbers that have been subject to an unauthorized or
fraudulent use are captured and stored in a database.
The fraud protection system identifies those card numbers in the
database prior to the completion of a sale.
Merchants may also add known fraudulent, stolen or charged back credit
card numbers to the negative database thereby preventing them from
being used on any account in the Plug ‘n Pay system.
The Premium Package Includes
Membership Management Services
Membership Management Services
For membership or subscription-based sites, Plug ’n Pay offers the
industry’s most dynamic and easy-to-use online tool to manage the
Access is limited to members only, permitting the opening of new
memberships and termination of lapsed membership.
Each customer (member), upon successful payment, gains access to
restricted areas of your site.
Real-time payment authorizations
Username and password management
Digital Download Delivery
Enables the sale and distribution of premium digital content and
services online (including e-books, news & information, financial
reports, research and data, images, music, video and digital, etc.)
in any downloadable file.
Provides the purchaser with access to a unique “vanishing URL”
to complete the download.
After a suitable time period no further access to the files is
For companies using QuickBooks accounting, this enables the
user to upload transaction details into the application as either
invoices or cash sales receipts
This allows you to define various confirmation templates to send
pertinent post-transaction emails concerning customer service,
shipping information, special offers, etc. to the customer, based on
item, quantity, cost or other demographic information.
Used to design and offer different sales promotions, discount
coupons and gift certificates
An RBC Account – meet with Corporate Manager
RBC Risk Assessment – meet with Corporate Manager
An RBC Merchant Account
A Website which meets certain specifications including:
SSLA secured 128 bit
Secure site certificate verified
Display of card association logos
Pricing in USD
BASIC PACKAGE MEMBERSHIP MANAGEMENT /
Set Up Fee $500 (Recurring / Installation/Subscription Management
Set Up Fee $1,000
Annual Fee - Annual Fee -
Monthly Fee $50 Monthly Fee $50
Monthly Allotted 142 Monthly Allotted 100
Additional $0.07 Additional $0.15